Forest, VA · Cert 58563 · Select Bank Financial Corp.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Lynchburg, VA · 2026 SOD (annual) · 6.1% share · #6 of 17 inst. · $0.4B of $6.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 1.07% | 0.97% | 1.19% | 1.27% | +31 bps | |
| Return on Equity | 13.16% | 14.36% | 12.49% | 14.79% | 15.26% | +210 bps | |
| Net Interest Margin | 2.98% | 3.13% | 3.28% | 3.36% | 3.25% | +27 bps | |
| Efficiency Ratio | 64.01% | 59.72% | 71.07% | 54.05% | 56.79% | -722 bps | |
| Non-Interest Burden | 1.81% | 1.77% | 2.25% | 1.69% | 1.69% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.83% | 7.41% | 6.15% | 1.19% | 4.63% | -319 bps | |
| Loan Growth (YoY) | 11.28% | 10.70% | 7.01% | 2.95% | 5.03% | -625 bps | |
| Deposit Growth (YoY) | 4.18% | 4.89% | 7.22% | 2.35% | 0.36% | -382 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.89% | 0.86% | 0.99% | 0.54% | 1.06% | +18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.82% | 0.81% | 0.81% | 0.81% | 0.78% | -4 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.8x | 1.5x | 0.7x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.71% | 8.94% | 8.96% | 9.30% | 9.54% | +82 bps | |
| Total Risk-Based Capital | 12.04% | 12.39% | 12.41% | 12.79% | 12.37% | +33 bps | |
| Equity / Assets | 7.23% | 7.67% | 7.84% | 8.29% | 8.29% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.91% | 97.39% | 95.48% | 96.87% | 102.46% | +455 bps | |
| Liquid Assets / Assets | 0.28% | 0.39% | 1.43% | 0.44% | 0.54% | +26 bps | |
| CRE / Total Capital | n/a | 431% | 419% | 410% | n/a | n/a | |